Exzeo Group, Inc. (XZO): fair value, margin of safety and Wheel Score

Is XZO undervalued?

At 19.33 (close of 5 Nov 2026), XZO trades 30% below the GLS average fair value of 27.77. That average comes from 7 models run on the latest filings, and 4 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Exzeo Group, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.

There is a wide gap between Graham Number (8.45) and GLS Growth (59.26). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, XZO is clearly faster-growing than it is cheap, so the nightly engine files it under Growth (value score 36, growth score 89, out of 100).

Nine valuation models for XZO

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Exzeo Group, Inc. scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. On durability XZO scores 6.5/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.

Returns on capital are high - ROIC 31.7%, ROE 32.6%, ROA 23.8% - with debt at 0.03 times equity and a free-cash-flow yield of 4.7%.

Exzeo Group, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Technology Service 100% (quarter Q2 FY2026).

Institutional ownership scores 1/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 35: No options

No options are listed on Exzeo Group, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 35, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 608k shares a day on a market cap of $1.7B, with a beta of 0.50 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

The next earnings report is due on 9 Dec 2026, 34 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Insurance - Diversified

The 12 companies below are the closest to Exzeo Group, Inc. by market cap within the Insurance - Diversified industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare XZO with 7 of them   All Financial Services stocks →